The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$45,049
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,450
−HK$1,424/mo
Today · 4.125%
HK$47,874
baseline
▲ 0.50% · 4.625%
HK$50,787
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,748/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,116
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,364/mo
Today · 4.125%
HK$52,824
baseline
▲ 0.50% · 4.625%
HK$55,608
+HK$2,784/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,648/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,058
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,740
−HK$1,708/mo
Today · 4.125%
HK$57,448
baseline
▲ 0.50% · 4.625%
HK$60,944
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,896/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,139
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,752
−HK$1,637/mo
Today · 4.125%
HK$63,389
baseline
▲ 0.50% · 4.625%
HK$66,730
+HK$3,341/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,778/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,068
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,030
−HK$1,993/mo
Today · 4.125%
HK$67,023
baseline
▲ 0.50% · 4.625%
HK$71,101
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,046/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,163
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,044
−HK$1,909/mo
Today · 4.125%
HK$73,953
baseline
▲ 0.50% · 4.625%
HK$77,852
+HK$3,899/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,906/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,088
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,610
−HK$2,563/mo
Today · 4.125%
HK$86,173
baseline
▲ 0.50% · 4.625%
HK$91,416
+HK$5,243/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,346/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,209
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,629
−HK$2,454/mo
Today · 4.125%
HK$95,083
baseline
▲ 0.50% · 4.625%
HK$100,095
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,166/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,849 · Scale 2, in force from 26 Feb 2026)